Fino Payments Bank Ltd (BOM:543386)

Q2 2026 Fino Payments Bank Ltd Earnings Call Transcript

Oct 30, 2025 / 10:30 AM GMT

Release Date Price: ₹298.15 (-1.00%)

Transcript

Key Points

Positve

Fino Payments Bank Ltd (BOM:543386) reported a 36% year-on-year growth in deposits, reflecting strong customer trust and a focus on low-cost deposit growth.
The company's CASA (Current Account Savings Account) revenue increased by 21% year-on-year, contributing 40% to total revenue, indicating a shift towards high-margin annuity business.
The bank maintained a low cost of funds at 1.9%, showcasing an efficient liability structure.
EBITDA margin expanded by 2.8% year-on-year to 15.4%, reflecting improved cost management and a better product mix.
The bank's merchant network expanded to 2 million, with 56,000 new merchants onboarded during the quarter, indicating consistent franchise growth.

Negative

Revenue for the quarter declined by 12% year-on-year due to systemic shifts in payment behavior and ecosystem challenges.
Profit before tax decreased by 18% year-on-year, impacted by higher depreciation costs.
Net profit for the quarter was down by 27% year-on-year due to higher tax provisioning.
The digital payments business saw a 20% year-on-year decline in revenue, affected by regulatory tightening and ecosystem challenges.
The CMS (Cash Management Services) business reported a 24% year-on-year decline in revenue, driven by reduced throughput volumes and competitive pricing pressures.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

FINY.NS - Fino Payments Bank Ltd
Q2 2026 Fino Payments Bank Ltd Earnings Call
Oct 30, 2025 / 10:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Fino Payments Bank Limited Q2F526 earnings conference call hosted by Go India Advisors LLP. As a reminder, all participant lines will be in the listen on the mood, and there will be an opportunity for you to ask. Questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing, then 0 on your touchstone phone. Please note this conference has been recorded. I now hand over the conference over to Mr. Rajat Gupta.

Thank you and over to you.

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Unidentified_2 [2]
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